A&D Mortgage for Connecticut investors
A&D Mortgage offers a no-ratio DSCR program with an effective 0.00 minimum DSCR, though deals below 1.0 DSCR require a 680+ credit score (the general minimum is 620). Maximum LTV is 80%. The company does not publish minimum/maximum loan size, rate, or state-coverage figures in the sources reviewed.
Connecticut context
Connecticut property tax burden is among highest in nation. DSCR tight outside Hartford and New Haven multi-unit submarkets.
How A&D Mortgage positions in Connecticut
Within Connecticut, A&D Mortgage competes alongside other DSCR lenders. A&D Mortgage strengths: No-ratio DSCR program (0.00 minimum DSCR), Broker-only origination. The low aggregate DSCR economics of Connecticut create demand for A&D Mortgage programs in Hartford and Bridgeport particularly.
City-level coverage in Connecticut
A&D Mortgage provides DSCR coverage across Connecticut metros including Hartford, Bridgeport, and New Haven. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Connecticut metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Connecticut property tax | 2% |
| Connecticut state income tax | 7% |
A&D Mortgage strengths in Connecticut
- No-ratio DSCR program (0.00 minimum DSCR)
- Broker-only origination
- Maximum 80% LTV
- 620 minimum credit score, though sub-1.0 DSCR deals need 680+
Ideal borrower: Broker-originated borrower using a no-ratio DSCR program, or a borrower with 680+ credit for a sub-1.0 DSCR deal.
FAQ
Likely; verify direct Connecticut coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Hartford is the top investor market in Connecticut and is generally within A&D Mortgage states not publicly disclosed footprint. Hartford property tax follows the Connecticut state rate of 2 percent. A&D Mortgage typically underwrites Hartford acquisitions at standard rate sheets.
Yes. Bridgeport ranks among the larger Connecticut investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Bridgeport matters for property selection.
A&D Mortgage applies the same rate sheet across Connecticut metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Hartford, Bridgeport, and New Haven all qualify for the same A&D Mortgage program.
A&D Mortgage does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Connecticut property tax burden is among highest in nation. DSCR tight outside Hartford and New Haven multi-unit submarkets. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Connecticut.
Connecticut allows standard DSCR prepay structures; A&D Mortgage typically uses 3-5 year step down.
A&D Mortgage typical close: Not publicly published.
Bottom line
For Connecticut DSCR borrowers, A&D Mortgage is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with A&D Mortgage.